16448 Clay St, Hebron, IN 46341 Property Records

Lake County property record for 16448 Clay St, Hebron, IN 46341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,865 sqft · built 1981
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$2,468 (2024)
Deeds & Mortgages	Apr 2021 Transfer Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-04-05-0088-0003`

Property Details

APN / Parcel Number

Primary APN	`004-04-05-0088-0003`
Alternative APNs	`45-20-12-476-004.000-012` `040500880003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,865 sqft Living Area
Basement Area	780 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	004-04-05-0088-0003
Old Parcel Number	040500880003
Street Address	16448 CLAY ST
City	HEBRON
State	IN
Zip	46341-9006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH GROVE ACRES LOT 3
Legal Subdivision	SOUTH GROVE ACRES
Legal Lot Number	3
Jurisdiction	LAKE IN
Township / Civil Division	EAGLE CREEK
Census Block Group	1
Census Block	1022
Census Tract	43404

Owner

Source: Lake County records, as of March 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	16448 CLAY ST, HEBRON, IN 46341-9006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Transfer on Death Deed, Transfer
Mar 2, 2017	Deed of Trust, Mortgage · Line of Credit MAINSOURCE BANK
Jan 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 17, 2017
Transfer Doc	0000002919
Record Updated	Jun 8, 2026

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE IN
Recording Date	Apr 14, 2021
Property Address	16448 CLAY ST, HEBRON, IN 46341-9006
Document Number	0000031954
Map Reference	MB 50 PG 93
Instrument Date	Mar 2, 2021
Instrument	2021-031954
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16448 CLAY ST, 16448, HEBRON, IN 46341-9006

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IN
Property Address	16448 CLAY ST, HEBRON, IN 46341-9006
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013944
Date	Mar 2, 2017
Instrument	2017 013944

Lender

Name	MAINSOURCE BANK
Type	Bank
Address	GREENSBURG, IN 47240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 26, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IN
Recording Date	Jan 17, 2017
Property Address	16448 CLAY ST, HEBRON, IN 46341-9006
Document Number	0000002919
Instrument Date	Jan 17, 2017
Instrument	2919
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16448 CLAY ST HEBRON IN 463419006, HEBRON, IN 46341-9006

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Lake County
County Subdivision	Eagle Creek Township
Unified School District	Tri-Creek School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$312,300 (+7.17%) Land $77,000 Building $235,300	$312,300 (+7.17%) Land $77,000 Building $235,300
2024	$2,468.00 (+9.98%)
2023		$291,400 (+16.42%) Land $71,200 Building $220,200	$291,400 (+16.42%) Land $71,200 Building $220,200
2022	$2,244.00	$250,300 Land $46,000 Building $204,300	$250,300 Land $46,000 Building $204,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 16, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (1990–2014)
Most Recent Claim	Jun 2014 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2008 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
NITCO DSL · Fixed Wireless	30 / 3

May also be available: AT&T.

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